Best personal loan rates 2015

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The approach has proven effective. In November, a Delaware bank paid a 15 million penalty to settle charges that it worked with payment companies to make fraudulent withdrawals from consumers accounts. More than half of the debits were rejected by consumers and their banks. The overall rate reported by the Federal Reserve is about one-half of one percent.

The bank lost its charter and was dissolved. Regulators also are using bank oversight examinations to drive a wedge between banks and the online payday lenders they serve.

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